Lifetime Finance Bureau Limited

Reference number: 1011046

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Mortgage Advice Bureau (Derby) Limited Reference number: 466154 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Lifetime Finance Bureau Limited (FRN 1011046) is an AR of Mortgage Advice Bureau (Derby) Limited (FRN 466154). When you use Lifetime Finance Bureau's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Lifetime Finance Bureau, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

  • No website on the FCA register

  • Phone number

    01332 200020

  • Address

    Suite 4 First Floor Sycamore House, Springwood Way, Tytherington Business Park, Macclesfield, Cheshire East, SK10 2XA, United Kingdom

In the full report: 2 background checks

  • What kind of line 01332 200020 is, and the 3 other firms that give it
  • Who else gives the postcode SK10 2XA
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Other names (1)

If you were contacted under any of these names, it is this firm.

  • Mortgage Advice Bureau Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Mortgage Advice Bureau (Derby) Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
15291334
Company status
Active
Company type
Private limited company
Incorporated
17 November 2023 (2 years old)
Registered office
Suite 4 First Floor Sycamore House Springwood Way, Tytherington Business Park, Macclesfield, SK10 2XA, England
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Thomas Edward Barrass Director Jul 1982 1 Oct 2024 4 other companies
Andrew Bernard Teeman Director Jun 1983 1 Mar 2025 4 other companies

Other companies run by these 2 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
7
closed down
1
are FCA-registered
2

In the full report: all 7 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 2 on the FCA register
  • The 1 company these 2 directors run together
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 November 2025Abridged accountsNot audited

Net assets

£209

No earlier figure to compare

Cash at bank

£50.2k

−61% from £129k

Employees (average)

10

+11% from 9

Owed within a year

£83.7k

+106% from £40.7k

About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 15291334. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Lifetime Finance Bureau’s history from the FCA register and Companies House, newest first.

Key events (5) All events (10)

2024

1 November 2024

  • Craig Stephen Elliott gave up control
  • Thomas Edward Barrass became a part-owner (25–50% of shares)

Companies House

5 March 2024

  • Became an appointed representative

FCA register

2023

17 November 2023

  • Incorporated at Companies House
  • Craig Stephen Elliott took control (75–100% of votes)

Companies House

In the full report: all 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Lifetime Finance Bureau

Other FCA-listed firms that share a director, phone number or address with Lifetime Finance Bureau. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
5
share a director
2
share its phone number
3

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (2), the same phone number (3), the same postcode (2)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Lifetime Finance Bureau

Other firms of the same type (financial adviser), nearest first.

In Macclesfield

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Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Lifetime Finance Bureau

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 7 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 10 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Lifetime Finance Bureau Limited FCA authorised?
Lifetime Finance Bureau Limited (FRN 1011046) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Lifetime Finance Bureau?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Lifetime Finance Bureau Limited (FRN 1011046) is an AR of Mortgage Advice Bureau (Derby) Limited (FRN 466154). When you use Lifetime Finance Bureau's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Lifetime Finance Bureau, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is Lifetime Finance Bureau’s phone number?
The FCA register lists the phone number 01332 200020 for Lifetime Finance Bureau. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 3 other FCA firms.
Is Lifetime Finance Bureau a scam or clone?
Lifetime Finance Bureau is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Lifetime Finance Bureau?
Protection works through Mortgage Advice Bureau (Derby) Limited, the principal firm responsible for Lifetime Finance Bureau's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Lifetime Finance Bureau?
Companies House lists one person with significant control of Lifetime Finance Bureau: Mr Thomas Edward Barrass (25–50% of shares). Before that, it was controlled by Mr Craig Stephen Elliott.
Who runs Lifetime Finance Bureau?
Companies House lists 2 directors of Lifetime Finance Bureau: Thomas Edward Barrass and Andrew Bernard Teeman.
How long has Lifetime Finance Bureau been in business?
The company was formed on 17 November 2023.
What do Lifetime Finance Bureau’s latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £209 (no earlier figure to compare) and cash at bank of £50.2k (−61% from £129k).
Does Lifetime Finance Bureau use any other names?
It trades as Mortgage Advice Bureau.

Sources and links

The full report on Lifetime Finance Bureau Limited

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